Home Loan Products
Explore Your Financing Options
Choosing the right mortgage starts with understanding your options. Nebraska homebuyers and homeowners have access to a wide range of loan programs designed for different financial situations, property types, and long-term goals. Whether you are purchasing your first home in Lincoln, refinancing in Omaha, or exploring specialty loan options elsewhere in Nebraska, understanding how each mortgage product works can help you make a more informed decision.
Conventional Loans
Conventional loans are a popular option for Nebraska homebuyers with established credit. They offer flexible terms and can be used for primary residences, second homes, and investment properties in Lincoln, Omaha, and across the state.
FHA Loans
FHA loans are government-backed mortgages designed to make homeownership more accessible. They are commonly used by first-time and repeat buyers in Nebraska who benefit from flexible qualification guidelines and lower down payment options.
VA Loans
VA loans are available to eligible veterans, active-duty service members, and surviving spouses. These loans are widely used across Nebraska, including Lincoln and Omaha, and are designed to support long-term homeownership for military families.
USDA Loans
USDA loans help eligible buyers purchase homes in designated rural and suburban areas of Nebraska. They are commonly used in communities outside major metro centers and offer financing options for qualified buyers seeking affordable homeownership.
Jumbo Loans
Jumbo loans provide financing for higher-priced homes that exceed conventional loan limits. In Nebraska, they are often used for custom or luxury properties in Lincoln, Omaha, and other higher-value housing markets.
Non-QM Loans
NON-QM loans offer alternative mortgage solutions for borrowers who do not fit traditional lending guidelines. These loans are commonly used by self-employed individuals, investors, and borrowers with complex income situations across Nebraska.
Reverse Mortgage
Reverse mortgages are designed for homeowners aged 62 or older who want to access home equity while remaining in their home. They are commonly used by Nebraska retirees as part of long-term financial and housing planning.
*Eligibility for loan programs depends on your specific financial situation, credit profile, and property details.
This information is for educational purposes only and does not constitute a commitment to lend.